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644 Schroeder Rd, Coal Valley, IL, 61240

4beds
5baths
2,740sqft
$424,900
$155price/sqft
$3,279/moest. monthly cost
$131,160/yrincome needed

About This Home

This 4 bed custom built home is nestled on 10 wooded acres and offers a rare blend of privacy, craftsmanship, and everyday comfort. A creek winds through the property, surrounded by mature walnut, elm, and other trees, creating a peaceful natural setting. Inside, Brazilian cherry hardwood floors span the main level, complemented by a dramatic great room with ceilings reaching approximately 25-30 feet. A custom spiral staircase connects all levels, adding architectural character and function. The great room also features a wood burning fireplace with an existing gas line for future conversion, along with a built-in trench drain designed for indoor gardening. The kitchen includes a walk in pantry, and butcher block workspace, with all appliances included. Smart features such as a Wi-Fi thermostat, learning thermostat, and smart lighting add convenience. Outdoor living is highlighted by a multi level deck across the back of the home, plus additional decking on the front and side. A small pond with running water and a circle drive with established landscaping enhance the setting. Additional features include a whole house generator with automatic activation, radiant heat in the primary bedroom, and a finished basement with 9 foot ceilings, full bathroom, bar area, sink, and wine cellar. A unique bonus is the approximately 1,000 sq ft unfinished guest house with electricity and gas already in place, along with an agreement for future water access. Don't miss your chance to tour this amazing home and to make it yours.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
7/10
Orion Middle SchoolGrades 6-85.9 mi
9/10
Orion High SchoolGrades 9-126.0 mi

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Refrigerator
  • Laundry features: Main Level,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Finished,Exterior Entry,Rec/Family Area,Storage Space,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 168
  • Dimensions: 14X12

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 130
  • Dimensions: 13X10

Bedroom4

  • Features: Flooring (Laminate)
  • Level: Third
  • Area: 140
  • Dimensions: 14X10

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Den

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 143
  • Dimensions: 13X11

Features

  • Vaulted Ceiling(s),In-Law Floorplan,Bookcases,High Ceilings,Workshop
  • Window features: Skylight(s)
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Other
  • Fireplace: Yes
  • Attic: Pull Down Stair
  • Finished area below ground: 1,344

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,966
  • Total interior livable area: 2,740 sqft

Kitchen

  • Features: Kitchen (Pantry-Butler,Country Kitchen),Flooring (Hardwood)
  • Level: Main
  • Area: 168
  • Dimensions: 14X12

Kitchen2Nd

  • Features: Flooring (Laminate)
  • Level: Basement
  • Area: 70
  • Dimensions: 10X7

Laundry

  • Features: Flooring (Other)
  • Level: Main
  • Area: 15
  • Dimensions: 5X3

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 432
  • Dimensions: 24X18

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full,Double Sink)
  • Level: Second
  • Area: 399
  • Dimensions: 21X19

Office

  • Features: Flooring (Reclaimed Wood)
  • Level: Third
  • Area: 112
  • Dimensions: 14X8

Other

  • Features: Flooring (Brick)
  • Level: Main
  • Area: 225
  • Dimensions: 15X15

Other

  • Features: Flooring (Tile)
  • Level: Third
  • Area: 112
  • Dimensions: 14X8

Other

  • Features: Flooring (Laminate)
  • Level: Basement
  • Area: 96
  • Dimensions: 12X8

Other

  • Features: Flooring (Reclaimed Wood)
  • Level: Second
  • Area: 153
  • Dimensions: 17X9

Pantry

  • Features: Flooring (Tile)
  • Level: Main
  • Area: 70
  • Dimensions: 14X5

Recreation Room

  • Features: Flooring (Other)
  • Level: Basement
  • Area: 378
  • Dimensions: 14X27

Recreation Room

  • Features: Flooring (Laminate)
  • Level: Main
  • Area: 184
  • Dimensions: 23X8

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0630476001
  • Special condition: Standard

Features

  • Stories: 3
  • Patio & porch: Deck,Porch
  • Exterior features: Balcony

Lot

  • Lot size: 10.80 Acres
  • Features: Wooded
  • Lot size dimensions: 328x1329x330x1332

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Heated Garage,Yes,Garage Owned,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Lightning
Tornado
Winter Weather
Cold Wave
Drought
Hail
Heat Wave
Inland Flooding
Ice Storm

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,148$25,776
Home Insurance *$263$3,156
Property Taxes $658$7,896
Electricity $210$2,529
Total$3,279$39,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,422/yr
40% on housing$98,370/yr
45% on housing$87,440/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 61240$103
Henry County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 61240$121
Henry County$91

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-07Listed for sale$499,900

For Sale by Agent

AgentBrad Boeye, CRS,e-PRO
BrokerageBUY SELL BUILD QC - Real Broker, LLC

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